Patents by Inventor Melissa M. Santora

Melissa M. Santora has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • SYSTEM AND METHOD FOR LOADING PREPAID DEBIT CARD AT AN ATM
    Publication number: 20090063339
    Abstract: Money is loaded onto prepaid debit cards at ATMs (without the use of clerk-assisted POS terminals). The network for processing transactions includes a debit/credit network with a ATM Load BIN table, which includes transaction permitted (TP) data associated with each bank identification number (BIN) appearing in the card number of the prepaid cards. If a load transaction is requested, the transaction is permitted and passed by the debit/credit network to the card issuer only if the TP data reflects that such a transaction is permitted.
    Type: Application
    Filed: September 5, 2007
    Publication date: March 5, 2009
    Applicant: First Data Corporation
    Inventor: Melissa M. Santora